• Vivid partners with lemon.markets to expand its investment products through a single connection to lemon.markets’ brokerage and custody platform.
• Customers get access to more investment options, including mutual funds.
• Built on lemon.markets’ API-based platform, the partnership helps Vivid launch new asset classes faster and expand investing across Europe with one integration.

Berlin, October 29th, 2025 - Vivid, one of Europe’s fastest‑growing financial platforms for small and mid-sized enterprises (SMEs) and freelancers, is partnering with lemon.markets to expand its investment offering via its scalable, API-based brokerage and custody infrastructure. The integration of lemon.markets’ platform enables Vivid to offer multi‑asset investing for business and retail customers. Starting with Money Market Funds (MMFs) and mutual funds, and later expanding to other product categories, Vivid offers customers a wider range of options suited to varying risk profiles and investment goals. The collaboration creates a future‑proof set-up built for speed, simplicity and pan‑European reach. 

More choice within Vivid: Funds, ETPs and Equities

“Our mission is to help SMEs make their money work harder — to extend their runway and build resilience. Partnering with lemon.markets brings us closer to that goal by unlocking access to more asset classes across Europe”, comments Esmond Berkhout, CEO of Vivid Money B.V..

With this collaboration, Vivid adds a broader choice of investment products directly into the all‑in‑one experience its customers already use. For SMEs, the same platform that handles their payments and treasury also enables investing, reducing friction and making it easier to put idle cash to work and diversify across asset classes. For retail customers, everything is available within Vivid, bringing funds, exchanged-traded products (ETPs) and equities together in one place and offering more choice for a simpler investing experience.

As the product breadth grows across asset classes, the same integration with lemon.markets supports additional asset classes without the need for costly system rebuilds, creating a scalable foundation for both SME and retail growth.

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European scale, simplified: lemon.markets' Omnibus Set-Up Goes Live

Vivid utilising lemon.markets' new omnibus account-setup marks a key milestone in scaling its lemon.markets' brokerage and custody platform across Europe. This advanced model aggregates end-customer holdings in a single master account, helping partners serve many clients efficiently while simplifying reconciliations, custody, and operations. The platform supports both business-to-business (B2B) and business-to-consumer (B2C) use cases, supporting both SME‑focused treasury and investing solutions and consumer products. Partners like Vivid keep their existing operational model and client relationships, while lemon.markets’ set-up reduces complexity and overhead so they can focus on daily business and customers. This approach acts as an accelerator for European expansion across multiple markets.

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“Vivid is the ideal partner on our omnibus setup, demonstrating our platform’s capacity to operate at scale across Europe from day one,” said Max Linden, Founder and CEO of lemon.markets. “With one integration, Vivid can bring multiple asset classes to customers, starting with Money Market Funds and mutual funds, and continue expanding its offering across markets faster. This is a clear example of how we work with partners to reduce complexity and help them grow across Europe.”

This partnership underscores both Vivid’s and lemon.markets’ shared ambition to expand investing across Europe. It’s the first collaboration announced since the completion of dwpbank’s acquisition of lemon.markets, highlighting lemon.markets’ continued independence and Vivid’s commitment to bringing seamless investing to its growing European customer base.

About lemon.markets

‍The Berlin-based FinTech lemon.markets, operates a Brokerage-as-a-Service platform that offers Banks, Asset Managers and FinTechs simple digital access to capital markets through a single API. The cloud-native solution enables efficient securities trading and allows its partners to deliver a best-in-class experience to their customers. With a mission to grow investing opportunities for all European customers and businesses, providing seamless access to capital markets, lemon.markets is working with leading FinTechs such as Pleo, Holvi and Tomorrow. As of 08/2025, lemon.markets is part of the dwpbank Group, trusted with over €2.2 trillion assets under custody.